Side-by-side · Q2 2026 data
Peoples State Bank vs The First National Bank of Pandora
Metric by metric
| Measure | Peoples State Bank | The First National Bank of Pandora |
|---|---|---|
| TellerScore | 61 | 65 (stronger) |
| Capital cushion | 33 (stronger) | 31 |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 60 (stronger) | 56 |
| Funding & liquidity | 65 | 80 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 20th | 29th |
| Total assets | $286.5M | $299.0M |
| Deposits / shares | $256.8M | $275.1M |
| Capital ratio | 8.32% (stronger) | 8.07% |
| Problem loans | 0.60% | 0.27% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 0.99% (stronger) | 0.89% |
| Loans ÷ deposits | 87.8% | 72.3% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 21.7% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 3.6% |
The First National Bank of Pandora has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 4 and The First National Bank of Pandora on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.